ron williams, the ceo of aetna, is going to give some comments. i appreciate him not only being here but being a part of this dialogue for the past year or more. i had the pleasure of working with ron over a number of years. welcome. >> madam secretary, i appreciate the opportunity to be here on behalf of my colleagues, the opportunity to work with you as well. we really share common hurdles. we need to make sure working families have access to affordable health care. we recognize that our issues, particularly in the independent insurance market -- the industry last year came forward and supported many reforms to eliminate employment as a condition for getting help insurance. to make that work, we need to look at the overall health insurance pool. we are only a successful -- we are only successful when we meet our customer's needs. that means affordable health insurance. we want to get bureaucracy out of health care. it is $2 billion to make sure that everyone has access. fundamentally, we want to make sure the insurance market works for everyone.